Call reports 2015
SPRINGFIELD STATE BANK — 2015
What SPRINGFIELD STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 42,660,000 | 43,958,000 | 42,737,000 | 41,973,000 |
| Total loans | 22,569,000 | 23,641,000 | 24,144,000 | 24,525,000 |
| Allowance for loan losses | 282,000 | 288,000 | 297,000 | 304,000 |
| Securities available for sale | 11,216,000 | 11,688,000 | 11,509,000 | 11,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,836,000 | 39,061,000 | 37,664,000 | 36,949,000 |
| Interest-bearing deposits | 28,632,000 | 29,722,000 | 29,555,000 | 27,941,000 |
| Noninterest-bearing deposits | 9,204,000 | 9,339,000 | 8,109,000 | 9,008,000 |
| Equity capital | 4,758,000 | 4,808,000 | 4,956,000 | 4,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 690,000 | 1,056,000 | 1,422,000 |
| Interest expense | 10,000 | 20,000 | 31,000 | 42,000 |
| Net interest income | 330,000 | 670,000 | 1,025,000 | 1,380,000 |
| Noninterest income | 37,000 | 67,000 | 102,000 | 129,000 |
| Noninterest expense | 249,000 | 497,000 | 744,000 | 999,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 112,000 | 228,000 | 365,000 | 488,000 |
| Income tax | 5,000 | 9,000 | 13,000 | 18,000 |
| Net income | 107,000 | 219,000 | 352,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,676,000 | 4,787,000 | 4,920,000 | 4,789,000 |
| Total capital | 4,958,000 | 5,075,000 | 5,217,000 | 5,093,000 |
| Risk-weighted assets | 27,767,000 | 25,490,000 | 28,576,000 | 27,958,000 |